Our Transaction Rates
Transparent Cost Plus pricing with a processor markup based on your monthly credit card volume.
0.25% — $0–$100,000
0.20% — $100,001–$500,000
0.15% — $500,001–$1,000,000
0.10% — $1,000,001+
Rates shown are Business Payment Network processor markup and are added to applicable interchange, card-network and other applicable processing fees.
4¢
Why Cost Plus?
Your processor markup is only one part of the cost of accepting a credit card.
Credit card transactions also include underlying interchange and card-network fees, which can vary depending on the card your customer uses and how the transaction is processed.
At Business Payment Network, we can't control those underlying card costs — but we can control what we add to them.
That's why we use Cost Plus pricing. Your processor markup stays separate and transparent instead of being hidden inside one blended rate. You can't control which card your customer uses — but you can choose how much your processor adds to the cost.
More Ways to Manage Your Processing Costs
Credit Card Surcharge
For eligible Canadian merchants outside Quebec, Clover can automatically apply a 2.40% surcharge to eligible credit card transactions, helping offset part of the cost of accepting credit cards.
Cash Discount Program
We also offer a Cash Discount option that works with Clover. This gives customers an incentive to pay with cash, debit or other lower-cost payment methods while helping merchants reduce the impact of credit card processing fees.
Not sure which option is right for your business?
We can review your current processing costs and help you compare Cost Plus pricing, credit card surcharge and Cash Discount options.